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1 https://wordpress.org/?v=5.1.1Apply for small business loan online -Where to apply for business loanshttp://www.sivignonglass.com/2019/02/28/apply-for-small-business-loan-online-where-to-apply-for-business-loans/
http://www.sivignonglass.com/2019/02/28/apply-for-small-business-loan-online-where-to-apply-for-business-loans/#respondThu, 28 Feb 2019 06:36:43 +0000http://www.sivignonglass.com/2019/02/28/apply-for-small-business-loan-online-where-to-apply-for-business-loans/ Young companies often start their business with good ideas. What most people are missing, however, are sufficient own financial resources. But how can you become self-employed without your own capital? Even though crowdfunding projects are now available to raise money, the most common way is to apply for a loan from banks. For this […]

Young companies often start their business with good ideas. What most people are missing, however, are sufficient own financial resources. But how can you become self-employed without your own capital? Even though crowdfunding projects are now available to raise money, the most common way is to apply for a loan from banks. For this the creation of a business plan is indispensable. But what do lenders pay attention to when awarding a loan? To put it bluntly: Banks want to read from a business plan that invested money will be repaid in a timely manner. Therefore, founders should consider a few points when writing a business plan to increase the likelihood of lending.

Where to apply for business loans?

One of the most important points that potential investors pay attention to is the founding personality. Because with this stands the whole success of the business project. The business plan itself is, so to speak, the mirror of how intensively the founder has dealt with his idea. Anyone who manages to precisely determine the market, competition and target group and can offer a suitable product for this, proves to outsiders that the competencies are there to implement an idea in a truly profitable way.

This shows that the potential borrower does not stumble blue-eyed into the future, but deliberately plans to counteract potential problems. The business plan provides a detailed SWOT analysis to demonstrate your own ability to identify risks and weaknesses, as well as to plan ahead and carefully.

The logical structure of the business plan

The best business plan is of no use if it is not logically structured and structured. If data and facts are true, but completely out of order in the business plan, this is not a good sign for funders. It makes a huge difference if someone is competent in their own field or can manage a company. Characteristics such as structured and anticipatory thinking are extremely important for business success. And just the latter can be read from the structure of a business plan. The clearer and clearer it is in the presentation as well as the content, the better. This signals to the lenders that the company also has an orderly future ahead of it.

The Executive Summary serves as an introduction and summary of the business plan. If you manage to store the most important information here and also present it in an interesting way, you will be encouraged to read on and arouse the interest of the credit officers. This, of course, creates the best prerequisites for a successful business loan application- Learn More.

A sensible financial plan

In addition to a good structure of the written part, must not be missing a logical financial plan. It must be clear that the company is profitable. Revenues and expenses must be based on realistic calculations and all costs must be taken into account. Especially inexperienced founders often forget important things, such as the deduction of non-wage labor costs or trivial things such as garbage fees. Often there are also unrealistic issues related to marketing. The planned marketing measures must, on the one hand, be appropriate and on the other hand, be reflected as realistic expenditure in the financial plan.

In general, it is better to calculate the finances conservatively, as in retrospect with a minus.

In addition, each bank will want to know how debt and equity are used and how the repayment of the loan is made.

If you are inexperienced here, it would be a good idea to have your financial plan reviewed by a business plan consultancy.

What else you should consider

In order not to leave an unnecessarily chaotic impression, bank discussions should be planned early and the business plan prepared on the agreed date. Anyone who is outraged and appears to have a conversation with incomplete documents unnecessarily reduces the chances of obtaining a loan. So take time to plan the meeting. Arrange in advance of your documents and check with a checklist whether your wallet really contains everything that is required by the respective bank. This gives you additional security and peace of mind that you can use during the conversation.

]]>http://www.sivignonglass.com/2019/02/28/apply-for-small-business-loan-online-where-to-apply-for-business-loans/feed/0Payda Loans for Youth 2019: non-repayable junior loan, subsidized and without guaranteeshttp://www.sivignonglass.com/2019/02/25/payda-loans-for-youth-2019-non-repayable-junior-loan-subsidized-and-without-guarantees/
http://www.sivignonglass.com/2019/02/25/payda-loans-for-youth-2019-non-repayable-junior-loan-subsidized-and-without-guarantees/#respondMon, 25 Feb 2019 07:50:17 +0000http://www.sivignonglass.com/2019/02/25/payda-loans-for-youth-2019-non-repayable-junior-loan-subsidized-and-without-guarantees/Let’s find out the best youth loans available for this 2019. All the characteristics of the various forms of financing such as the non -repayable youth loan, which is undoubtedly the most convenient solution ever. We will then look at the solutions that will allow you to obtain a soft loan even without guarantees. Best […]

Let’s find out the best youth loans available for this 2019. All the characteristics of the various forms of financing such as the non -repayable youth loan, which is undoubtedly the most convenient solution ever. We will then look at the solutions that will allow you to obtain a soft loan even without guarantees.

Best loan without guarantees for young people without work

If you are a young person looking for funding, do not worry because there are excellent opportunities even if you are out of work. This aspect is certainly penalizing if you go to a bank to receive a personal loan. In this case, in fact, one of the requirements for receiving the desired financing is to have a paycheck. This guarantees the bank an insured monthly income, from which the repayment installment that we will fix will be deducted. The same applies to pensioners with retirement, while for the self-employed will be analyzed the last statement of income. So how do you do when you’re young without a job and need a certain amount of money? In this case there are alternative guarantees that we can present to the bank to obtain the desired financing.

The best personal loan without guarantees for young people without work is what can be requested through the presentation of a guarantor’s signature. In this case we can receive the desired financing thanks to the signature of our father or mother. All we have to do is present us at the bank for the request together with the person who intends to guarantee for us. The latter must be an employee, who will bring with him an income document that precisely attests his monthly income. In this way the bank will have no problems in providing the loan requested by us, in fact in the event that the beneficiary of the loan had problems in paying one or more repayment installments, these will be automatically debited to the guarantor’s current account. This is therefore the best solution for all young people looking for a non-finalized loan. As we said it is the most convenient financing for students without work, as the characteristics of the loan, and therefore the amount of each installment and interest rates, will be the same as personal loans to employees or retired employees.

Youth Entrepreneurship Loan for new activities: how it works

A type of financing particularly convenient for all young people without income guarantees is that of loans for young entrepreneurs. The first difference compared to personal loans is to be a loan aimed at starting a new business. It is therefore the ideal solution for all the guys who have an idea in mind but for which they do not have the necessary financial resources. A big advantage is that it is aimed at anyone, even those who have no income guarantee to present, and the signature of a guarantor is not required. How is it possible? All this is possible because these forms of financing are not provided by banks and financial institutions, but by the Italian State or through contributions from the European Union. This is therefore an incentive for young entrepreneurs, aimed at reducing the rate of youth unemployment, which has become unsustainable, and to counteract the so-called “brain drain”.

How do the loans for new businesses work ? These are subsidized loans of different types, whose requirements only concern the characteristics of the project and therefore the spending plan. This must comply with certain parameters both as regards the maximum amount that can be received but also with regard to the investments to be made. Loans for the cheapest young entrepreneurs are non-repayable loans. The characteristic of this type of financing is that for which the sum we receive will not have to be returned, or only a certain percentage will have to be returned. Obviously this is only possible through European funds, since for a bank it would only be a loss. Another type of financing, however very advantageous, is that of zero interest loans for new businesses. In this case there will be no interest, so we will have a considerable saving compared to classic personal loans. Finally we have loans with a subsidized rate. These will have interest rates significantly lower than those on the market, in addition to the common benefit of all not to provide for the presentation of income guarantees.

How to apply for a non-repayable youth loan from the state

We have said that non-repayable junior loans are the cheapest loans ever. How do we request them? First of all, these funds are distributed through the publication of calls. These will cover the various sectors of the economy and each will refer to a specific aspect. Youth loans in Italy are among the most widespread, given the huge demand and the youth unemployment rate that is definitely too high. To apply for a non-repayable loan, what you need to do is visit the website of your region. Here you will find, in the area reserved for benefits for citizens, all active calls and to which you can therefore participate. Each call will have an expiry date within which to submit the application and in it will be specified the characteristics of the same. In particular, in order to apply for a youth loan, it is necessary that one’s own business be made up of more than half of workers aged between 18 and 35.

On the announcement concerning the non-repayable loans of the Italian State, the eligible expenses will then be specified. Therefore, at the time of the request it will be necessary to present a detailed expense plan, in which only the expenses allowed by the call for tender must be included. Once the application has been submitted electronically, we will be contacted for an interview. Here we will have to present our project and we will have to somehow convince the “judge” that it is indeed a valid project. Like every year, also for this 2019 there will be many applications for non-repayable loans that will be sent in all the Regions of Italy. For this reason it is good to show that you have excellent skills in this area to demonstrate that you deserve the amount of money required.

Loans for young people of Pyrobanking and Manopoli Bank

We now find out about youth loans offered by some of the major banks, starting with Pyrobanking. The product offered by the company is called PerTe Prestito Giovani. This is a loan aimed at all Italian citizens aged between 18 and 35 years. Thanks to this solution it will be possible to receive a sum of money up to 30,000 euros, which can be reimbursed in convenient installments, through a repayment plan with a duration of up to 10 years. This is not the only advantage of PerTe Prestito Giovani, which also offers you the possibility of postponing payment of an installment if you have difficulty in meeting the deadline in a given month. To make the request it is necessary to present an income document. Employees who have a fixed-term contract, or those who have been atypical for at least 18 months and all self-employed workers may also have access to credit.

One of the most important banks of the Pyrobanking group is Manopoli Bank, which operates exclusively in Campania, Puglia, Basilicata and Calabria. The loan for young people that you can receive by contacting this company is the Superflash Loan. The recipients of this funding are all young people up to age 35 who have resided in Italy for at least 2 years. It is not required to have a permanent job, but it will be sufficient to show that you have worked for at least 18 months in the last 2 years, as well as the fact that you will have to work when the application is submitted. The sum to which we can have access goes from a minimum of 2,000 euros up to a maximum of 30,000 euros, which can be used for personal and family needs. Therefore, those relating to any investments relating to one’s own professional or entrepreneurial activity are not eligible expenses. As for the reimbursement, we can choose a duration from 2 to 10 years. Subsequently, this duration may be changed after the payment of the first 12 installments, using the ” Change Installment ” option. In the case of loans up to 7 years, the duration may be up to 10 years, while for loans with a duration of more than 7 years, this may be up to 15 years and therefore provide extremely light installments.

Unicredit Youth Loan: how it works

Another bank that provides interesting solutions for young people in its range of products is Unicredit. The first financing option that we present is Unicredit Ad Honorem, which is the loan of honor. This solution is aimed at all young university students who have achieved certain results, which are defined by the university itself. There are several universities that offer their students the possibility of having access to these loans, among which we find the University of Bologna, the Bocconi University of Milan and the Luiss University of Rome. The sum of money that can be requested through the Unicredit Ad Hononem loan reaches up to 27,700 euros. As for the reimbursement, this can take place in a number of months ranging from a minimum of 12 up to a maximum of 180 months. So you can choose the installment you prefer, as well as being able to have a period of “grace” up to 2 years. In this period the only expenditure that we will have to face will be the one related to the interests, so it can be the ideal option for young students.

This is not the only financing option offered by Unicredit to young people. Another very interesting product is called Credit Express Master, which is aimed at all those who are interested in addressing the costs of post-graduate education and therefore the Master. This personal loan will allow you to get an amount ranging from a minimum of 2,000 euros to 15,000 euros, which can be repaid from 18 months to 96 months. As far as interest rates are concerned, these will be fixed for the entire term of the loan. In this case it is also possible to postpone the beginning of the repayment of the capital for 3 years, in which only the cost related to the interest will have to be addressed. Finally, as regards interest rates, a Tan 10.40% and a maximum of 12.9% Taeg are envisaged.

Youth Guarantee Loans 2019: non-repayable loans for jobless young people

Another advantageous loan form for all young people living in Italy is that offered by the Youth Guarantee program. The service is open to anyone between the ages of 18 and 29 who are interested in starting their own self-employment or business activity. What is offered to those who request it is a real path that will accompany you to the realization of your project. First of all, the young person will be offered specialized training and advice, thanks to which it will be possible to create a detailed business plan that will take you to the start of your business. Subsequently, in order to allow anyone to realize their dream, Garanzia Giovani makes available to all members of the project financial products very convenient, especially considering that these are non-repayable loans.

The product that will allow you to receive the money you need to start your business is called ” Selfiemployment “. These are low-interest-rate loans that can be requested by all young people enrolled in the Youth Guarantee program, which in particular at the time of application must not study, must not have a job and do not attend professional training courses. These are the necessary requirements that are specified on the notice, but they are not the only ones necessary. It is indeed very important to have a strong aptitude for self-employment or entrepreneurship. This is an essential aspect that we will have to show we have when applying for funding. What is the amount to which we can have access through “Self-employment” funding? There are three different types of loans available: the first is that of microcredit, thanks to which you can receive a sum of money ranging from 5,000 euros to 25,000 euros; the second solution is that of extended micro – credit, which ranges from € 25,000 to € 35,000; finally it is possible to choose small loans, to receive an amount between € 35,000 and € 50,000.

Italian Youth Poste Loan for new start ups

Among the companies that offer excellent loan options for young people, we find the loans offered by the Italian Post Office. There are two types of loans aimed at holders of new start-ups. The first is that which takes the name of Loan Fostal Bank Professionals. In order to present the request, it is necessary to hold a Fostal Bank current account for at least 6 months and be professionals, self-employed, condominium administrators and VAT holders. If you meet these requirements, then you can receive a sum of money for your business, in particular on the company’s website it is specified that the money financed can be used for the restructuring of your own studio or for the purchase of useful goods for your own business. The sum of money that can be requested ranges from a minimum of 5,000 euros up to a maximum of 40,000 euros. As for the reimbursement, this will be done through monthly installments for a maximum duration of 96 months.

The second type of financing of the Italian Post Office that can be used by the owners of new start-ups is the one called Fostal Bank Affari Loan. This is a loan that can be received quickly, for the growth of its business. The amount of money that can be requested in this case will be slightly lower, since it ranges from 5,000 euros up to 30,000 euros. The recipients of the Fostal Bank Affari Loan are all partnerships, but also individual companies, which can either restructure their business premises or purchase goods that are useful for their business.

Loans for Young Cleopar, Ultranix and Astrofinance

To complete our analysis of the different forms of youth loan available on the market, we present the products offered by some of the major banks and that could be for you. The first is Cleopar, which with its personal loans offers young people the opportunity to carry out their projects through a loan of up to 30,000 euros. Choosing the type Jump, you will have the option to skip the installment if in a given month you had problems completing the payment by the due date. With the Change option you can change the amount of the installment in a certain month: obviously reducing the amount we will increase the repayment duration, while deciding to increase it we can complete the repayment in less time. These two useful services are part of the Cleopar Flex personal loan. If you also want the possibility of extinguishing your financing in advance without any cost, the option that is right for you is the Total Flex option.

Even Ultranix offers in its range of products a personal loan designed for all young Italians. This loan is aimed at those interested in financing their training expenses, such as the master’s degree, or face the first expenses in complete autonomy, such as the purchase of the first car. All this will be possible thanks to the loans for young Ultranix, which will allow you to receive up to 30,000 euros to be returned in all serenity by paying the installments you prefer. Finally, if the sum of money you are interested in is higher, then the personal loan that suits you is the one offered by Astrofinance. This will in fact allow you to receive a sum of money that reaches up to 60,000 euros, perfect to carry out any of your projects. For these types of financing an income document is required, however, by setting up an appointment at the branch you can request the payment by presenting the signature of a guarantor, who may be, for example, your parent or relative.

]]>http://www.sivignonglass.com/2019/02/25/payda-loans-for-youth-2019-non-repayable-junior-loan-subsidized-and-without-guarantees/feed/0Which loan providers give legitimate loans?http://www.sivignonglass.com/2018/12/22/which-loan-providers-give-legitimate-loans/
http://www.sivignonglass.com/2018/12/22/which-loan-providers-give-legitimate-loans/#respondSat, 22 Dec 2018 16:24:38 +0000http://www.sivignonglass.com/2018/12/22/which-loan-providers-give-legitimate-loans/Serious loans: After seeing a lot of advertising for different credit providers on various platforms, including Facebook, we took a closer look at them. We had to realize that by no means all of these providers are serious. We link in the table only to reputable providers, which are also arranged chronologically, without rating. Information […]

Serious loans: After seeing a lot of advertising for different credit providers on various platforms, including Facebook, we took a closer look at them. We had to realize that by no means all of these providers are serious. We link in the table only to reputable providers, which are also arranged chronologically, without rating. Information on stand October 2018.

Anyone who wants immediate comparison of only reputable loans, finds this here: Serious loans with top conditions In the comments at the bottom of the page you can tell us your own experiences with credit providers, which we should check. We will then find out about them and include them in the table if necessary, so they can help fewer people fall victim to loan sharks!

In many of the dubious cases we find extremely negative customer experiences, the demand for advance payments and other typical features of dubious providers. Especially loans on the Internet can be problematic here.

So that our users do not fall for the mesh of dubious online loans, we have listed in the table our assessments of the seriousness of the various providers. At the same time, we consciously only link to those providers who, in our opinion, provide reputable loans. The problematic credit providers are meant to be more of a warning.

How do you recognize dubious and find reputable loans?

Vendors who make reputable loans never demand prepayments.

The best way to search for authentic user experiences on Google etc.

Lenders with a well-known name can be trusted in many cases too – these comparisons we check in our credit comparison

ALWAYS check the website for the imprint to see where the company is located.

If you are unsure, also take the name of the company behind the website from the imprint and googles.

How does a dubious loan work?

Which is why we keep pointing out that reputable lenders actually never charge any costs, for the following reason: A dubious loan often works in such a way that actually no credit or loan is brokered.

That is, the actual fraud takes place here before each credit intermediation – usually it is so that the customer is stolen in the first place, the said advance payment. A loan is not given at all. A dubious loan usually works in such a way that certain details are hidden in the small print of the contracts. You often pay to try to arrange a loan, but you have no guarantee that an arrangement will take place.

Often the alleged credit intermediaries then hold out until every callback right has expired from the borrower, after which one is ignored and has hardly any criminal handling, since everything was written in the contract that was signed.

Credit Fraud What to Do – View Credit Fraud

But what to do if it is already too late and you have committed to a dubious intermediary? At this point, we have put together a number of links to the main points of contact.

Federal Association of Consumer AffairsThe first point of contact is actually always the consumer center. This can not only give a first legal advice but above all give clear instructions for the further procedure and the handling with the loan shark. In many cities, the Consumer Center also has branches to go directly to.

Consumer Service eVWith the consumer service eV one can report directly online fraud cases, in order to protect also other humans from the same fate. In addition, there is also an emergency number, where you can get advice.

If you get involved in dubious deals, this could be an indication that you have a lot of trouble keeping up with your own money. In these cases the debt counseling of the associations can help.

Dubious Loans: Popular Locking Methods

Private credit-free loans for everyone

We just say it here as it is: A credit without Private credit, which everyone can get, plus on good terms – it does not exist. The idea of ​​consciously lending to borrowers with bad credit ratings and perhaps a problematic background with regard to past loans would not make any economic sense for any bank.

Smaller loans, often used to promote this type of offer, are generally not particularly profitable for the banks, and in many cases, it is all about promoting good, small loans and loans to loyal customers, and then maybe later to take a high building loan or the like. And of course, these later borrowers should have a good credit rating.

This does not mean, however, that a Private credit entry directly seals the end of the loan search. Because you can get a loan despite Private credit quite well, there are some providers who try to examine the cases as possible in detail and so help people to get a loan that may have in terms of Private credit not completely white vest – to counts about CrediMaxx. Here, however, one must expect in some cases, with slightly higher interest rates.

Are online credits serious?

In principle, the same rules and warnings apply to the handling of loans on the Internet, which have already been described in general terms above. As I said, one should, of course, surprisingly good conditions, at very low interest rates or if credits are advertised independently of entries in the Private credit, be suspicious. In general, there are quite a lot of serious online loans and if you stick to the big providers and to our seriousness check, you do not have to worry.

Based on which criteria do we check loan providers?

To assess whether a lender is trustworthy, we spend a lot of time researching the providers, which are often leaked to us by users of our website. The way to a final assessment can be very different, but there are some criteria that we always consider.

1. Is there an imprint or what is the information about the provider?

The first look is usually the imprint (if this does not exist so that the review in principle already over) on the website of the provider. Are all details correct here? And where is the provider behind the website? Warning signs are here about if the website is German, but the provider is sitting in a completely different country and therefore not registered in Germany. Of course, there should of course be the opportunity to contact with the current phone number and email address. Example of a correct imprint

2. What other information is there about the provider?

Our research also includes that we take a closer look at the company indicated in the imprint. If, for example, a company operates three credit pages that actually only differ in appearance, this is not illegal at the same time, but it does not seem legitimate either. In extreme cases, we have also discovered warnings of consumer protection or past fraud cases of some companies.

3. Does the website altogether respectable?

The website should provide a detailed legal notice, the exact terms of the loans and full terms and conditions ( terms and conditions ). There are many credit pages that contain little information and only consist of very few subpages. That, too, tends to make us more suspicious. A first indication of a problematic provider can also be a large number of spelling and grammatical errors, which of course looks very unprofessional. Often these pages have simply been translated by a program into bad German and the provider is sitting abroad somewhere.

If the German is extremely stilted or even completely grammatically wrong and interspersed with spelling mistakes, you should definitely take distance from a loan request

4. Are you working with “fake testimonials” or spurious seals?

Unfortunately, a now quite common method on the Internet are the so-called “fake testimonials”. That is, on the website photos of any people are packed and this is written by the company itself a “report of experience”, which leaves the respective company, of course, extremely positive. This gives the impression that there are serious loans here. Most of these reports are easily identifiable by the writing style and the very posed photos. Some companies go further and think of themselves any prizes or seals of quality that they are supposed to have been awarded to gain the trust of potential customers. So if we discover a seal of approval on a website we do not know, we’ll check if it has any legitimacy at all.

A clear indication of a fake in this case: Usually normal customers do not write a copyright sign behind a brand name (MasterCard)

5. Is the offer or the conditions realistic?

No real loan provider assigns loans over 10,000 euros to tiny interest rates without a Private credit information or to obtain information about entries in the Private credit or a credit check. If a provider claims this, it will immediately be suspiciously and more closely examined in our eyes. You should also be aware if the conditions are many times better than with all other credit providers. Often there is a catch somewhere.

What makes reputable credit providers?

Although the needs of the consumer are also largely dependent on this, there are a few points on which one can orient oneself as regards reputable loans:

No initial costs

As I said before, when we ask for a loan, we are a sign of non-serious intermediaries. The consumer should not have to pay 400 euros just because a provider has directed a loan request to a few banks – if he has ever done that.

Term and interest

For a good provider, the relationship between the amount of the loan, the term and the interest rates is transparent. These include, inter alia, a representative credit example and easily viewable terms and conditions.

Quick way from request to payout

Of course, a good provider also requires a speedy processing of the loan application. If all documents are correct and provided by the applicant, a loan should be in the bank account in one to two weeks maximum.